USDA Approved • Washington Home Loans

Washington USDA Loans

Washington residents have a great opportunity when house-hunting thanks to USDA loans.

See If I Qualify Check Property Area
No obligation • Fast eligibility review • Washington USDA specialists
Washington USDA Snapshot
$124,800

Standard Income Limit (1–4 Person Household)

$236,350

Highest Listed 5+ Person Limit

100%

Financing (No Down Payment)

Most rural Washington counties follow the standard USDA income limit. Higher-cost metro areas, particularly in the Puget Sound region, have increased limits.
$0
NO down payment – Finance 100% of your home
MX
NO maximum loan amount in Washington.
AS
NO assets needed to qualify
CR
Flexible credit guidelines
FX
Competitive, fixed interest rates so payments do not increase
HM
USDA Loans are for new and existing properties

Eligibility Requirements – Washington

USDA loans require no down payment or qualifying assets, have no maximum loan amount, and can be used for both new and existing properties. Plus, fixed interest rates mean that your payments won't increase over time. For a family of 1-4 in Washington, the average household income limit for a USDA loan is about $119,850 a year, and for families of 5 or more the limit can be as high as $236,350.

USDA Eligibility Map – Washington

Washington USDA loan eligibility map Check a property address

Washington USDA Income Limits (Moderate Income – Guaranteed Loan)

Most rural Washington counties follow the standard USDA income limit. Higher-cost metro areas, particularly in the Puget Sound region, have increased limits.

Area 1–4 Person 5+ Person
Standard Washington Limit (Most Counties & Rural Areas)$128,650$169,850
Tacoma, WA HUD Metro FMR Area$146,400$193,250
Spokane, WA HUD Metro FMR Area$128,650$169,850
Stevens County, WA HUD Metro FMR Area$128,650$169,850
Seattle–Bellevue, WA HUD Metro FMR Area$179,050$236,350
Important: USDA income limits in Washington are based on total household income and household size. This includes income from all adult household members, not just the borrower.

USDA Home Loan Features

$0

No money down

For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home's value. That means no down payment of any kind!

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Great interest rates

USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.

620

Need a 620 credit score

USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.

30

Affordable 30 year terms

USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.

CC

Roll in your closing costs

A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.

Check Your Washington USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Washington. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate and next steps
Get Pre-Qualified request a quick eligibility review
Washington USDA Income Limit Notice

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

Ready to See If You Qualify for a Washington USDA Loan?

Start your Washington USDA home loan review today. A USDA loan specialist will contact you with your options.